Compulsory third-party (CTP) insurance

  • CTP insurance covers your liability if anyone driving your car kills or injures someone in an accident.
  • Find out how CTP insurance works in each state and territory in Australia, and which providers offer it.
Compulsory third party
Compulsory third party

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CTP insurance state-by-state comparison

State/territory

Victoria

CTP rules

CTP in Victoria is called the ‘Transport Accident Charge’ and it is included in your registration fees and paid to the Transport Accident Commission (TAC). You can’t choose your CTP provider or make a separate payment. VIC has a 'no-fault' insurance scheme that covers all injured parties regardless of fault.

Licensed providers

N/A

State/territory

New South Wales

CTP rules

CTP in New South Wales can be purchased from a licensed insurer when you register your vehicle or renew your registration. NSW has a 'no-fault' insurance scheme that covers all injured parties regardless of fault.

Licensed providers
  • AAMI
  • Allianz
  • GIO
  • NRMA
  • QBE
  • Youi

State/territory

Queensland

CTP rules

CTP in Queensland is included in your registration costs, but you can choose any licensed CTP insurers when you renew your registration with the Department of Transport and Main Roads (DTMR).

Licensed providers
  • Allianz
  • QBE
  • Suncorp Insurance

State/territory

Western Australia

CTP rules

CTP in Western Australia is automatically charged when you register your vehicle or renew your registration. You can’t choose your CTP provider or make a separate payment.

Licensed providers

N/A

State/territory

South Australia

CTP rules

CTP in South Australia is included in your registration costs, but you can choose your CTP insurer from a list of approved providers when you can register your vehicle or renew your registration.

Licensed providers
  • AAMI
  • Allianz
  • QBE
  • NRMA Insurance
  • Youi

State/territory

Tasmania

CTP rules

CTP in Tasmania is included in your car registration fees. You can’t choose your CTP provider or make a separate payment. TAS has a 'no-fault' insurance scheme that covers all injured parties regardless of fault.

Licensed providers

N/A

State/territory

Northern Territory

CTP rules

CTP in the Northern Territory is included in your car registration fees. You can’t choose your CTP provider or make a separate payment. In NT, the Motor Accidents Compensation Commission manages the CTP scheme.

Licensed providers

N/A

State/territory

Australian Capital Territory

CTP rules

CTP in the Australian Capital Territory is included with your registration fee paid to Access Canberra. You cannot choose your own CTP provider or make a separate payment. The ACT has a 'no-fault' insurance scheme that covers all injured parties regardless of fault.

Licensed providers

N/A

State/territoryCTP rulesLicensed providers

Victoria

CTP in Victoria is called the ‘Transport Accident Charge’ and it is included in your registration fees and paid to the Transport Accident Commission (TAC). You can’t choose your CTP provider or make a separate payment. VIC has a 'no-fault' insurance scheme that covers all injured parties regardless of fault.

N/A

New South Wales

CTP in New South Wales can be purchased from a licensed insurer when you register your vehicle or renew your registration. NSW has a 'no-fault' insurance scheme that covers all injured parties regardless of fault.

  • AAMI
  • Allianz
  • GIO
  • NRMA
  • QBE
  • Youi

Queensland

CTP in Queensland is included in your registration costs, but you can choose any licensed CTP insurers when you renew your registration with the Department of Transport and Main Roads (DTMR).

  • Allianz
  • QBE
  • Suncorp Insurance

Western Australia

CTP in Western Australia is automatically charged when you register your vehicle or renew your registration. You can’t choose your CTP provider or make a separate payment.

N/A

South Australia

CTP in South Australia is included in your registration costs, but you can choose your CTP insurer from a list of approved providers when you can register your vehicle or renew your registration.

  • AAMI
  • Allianz
  • QBE
  • NRMA Insurance
  • Youi

Tasmania

CTP in Tasmania is included in your car registration fees. You can’t choose your CTP provider or make a separate payment. TAS has a 'no-fault' insurance scheme that covers all injured parties regardless of fault.

N/A

Northern Territory

CTP in the Northern Territory is included in your car registration fees. You can’t choose your CTP provider or make a separate payment. In NT, the Motor Accidents Compensation Commission manages the CTP scheme.

N/A

Australian Capital Territory

CTP in the Australian Capital Territory is included with your registration fee paid to Access Canberra. You cannot choose your own CTP provider or make a separate payment. The ACT has a 'no-fault' insurance scheme that covers all injured parties regardless of fault.

N/A

What is CTP insurance?

Compulsory third-party (CTP) insurance is mandatory in all states and territories of Australia. It covers your liability if you or anyone driving your car kills or injures someone in a road traffic accident. CTP insurance is paid for each time you renew your registration.

CTP is known as Green Slip Insurance in New South Wales and Transport Accident Charge in Victoria.

CTP doesn’t cover you or any loss or accidental damage to your vehicle or other people's property. For that, you’ll need a higher level of car insurance.

What does CTP insurance cover?

CTP insurance coverage varies from state to state. For example, CTP in NSW, Tasmania, Victoria and the ACT has a no-fault insurance scheme — meaning you can claim for compensation if you’re injured in a car accident regardless of who’s at fault. In other states, you may not be covered for injuries in a car accident where you were at fault.

More broadly, CTP covers:

  • Your liability for injuries and death caused to third parties in a crash involving your vehicle
  • The liability of other people driving your vehicle for injuries or death caused to third parties in a car accident involving your vehicle
  • Injuries to third parties caused by a trailer or caravan attached to your vehicle
  • Your personal injuries in a car accident where you were not at fault, or only partially at fault (varies between states)

‘Third parties’ under CTP insurance can include other drivers, passengers, pedestrians, cyclists and motorcyclists.

‘Liability’ is your legal responsibility for compensation claims made against you if you injure or kill someone in a car accident.

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CTP pays out a lump sum to the injured third party to cover medical expenses, rehabilitation treatment and any loss of income related to the accident.

What is not covered by CTP?

CTP insurance does not typically cover:

  • Loss or damage to your vehicle and damage to other people's vehicles or property
  • Your personal injuries if you’re in an at-fault accident (depending on the state)
  • Your injuries or death if you hit a tree or an animal
  • Your liability to third parties for accidents you caused under the influence of alcohol or illegal substances
  • Your liability to third parties if you were driving dangerously

How much does CTP insurance cost?

CTP can cost between $300-$700 with a 12-month car registration, based on an analysis of a selection of quotes from the Motor Accident Insurance Commission QLD and Green Slips NSW obtained by Money.com.au. See a quote example below.

This cost comparison is based on quotes obtained from Green Slips NSW for a Class 1 car for a 12-month registration period with a start date of 22/12/2023 and without Input Tax Credit Entitlement (ITCE).

CTP insurance quote

CTP is typically included in your registration fees. The cost of your CTP will depend on the state you live in, the type of vehicle you have, your period of registration (6 or 12 months) and if you claim GST as input tax credit.

CTP providers offering incentives to motorists

There are no discounts available on CTP insurance due to government regulations. For example, Clause 97 of the Motor Accident Insurance Act 1994 (QLD) states that a CTP policy premium cannot be discounted or waived. But some providers offer other kinds of incentives to customers.

Insurer

GIO

Special offer

Get a 10% multi-policy discount when you buy three eligible GIO policies.

CTP insurance is not eligible for a discount but will count as one of the eligible policies.

Insurer

QBE

Special offer

Get a $25 e-gift card when you renew and pay your eligible vehicle registration and select QBE for a 12-month CTP policy. Available in South Australia only.

Insurer

Suncorp Insurance

Special offer

Get a 15% multi-policy discount when you buy three eligible Suncorp Insurance policies.

CTP insurance is not eligible for a discount but will count as one of the eligible policies.

InsurerSpecial offer

GIO

Get a 10% multi-policy discount when you buy three eligible GIO policies.

CTP insurance is not eligible for a discount but will count as one of the eligible policies.

QBE

Get a $25 e-gift card when you renew and pay your eligible vehicle registration and select QBE for a 12-month CTP policy. Available in South Australia only.

Suncorp Insurance

Get a 15% multi-policy discount when you buy three eligible Suncorp Insurance policies.

CTP insurance is not eligible for a discount but will count as one of the eligible policies.

Note: Special offers current as of 21 December 2023.

What if you don’t have CTP insurance?

CTP is compulsory in Australia and a condition of your vehicle registration in every state and territory. If you’re involved in a traffic accident with an unregistered vehicle and without CTP insurance, you may be financially and legally liable for any damages to injured parties. Driving without CTP and registration is illegal and can result in hefty fines.

Written by

Megan Birot Money.com.au writer

Senior Finance Writer

Megan Birot

Reviewed by

Sean Callery Editor Money.com.au

Editor

Sean Callery

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